Islamic Commercial Bank

Dubai Islamic Bank Card Discounts

Part of PakFinHub's DIB coverage — debit cards and active merchant offers.

• VISA · UnionPay · PayPak
• Priority Banking Perks

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Dubai Islamic Bank card discounts run through its debit card tiers rather than a credit card rewards program — DIB positions its debit cards, particularly the VISA Signature tier, as the vehicle for ongoing merchant offers. The card tiers and discount program break down as follows.

DIB Debit Card Tiers

Card tiers confirmed from DIBPL's official Debit Cards, Signature Debit Card, and Aayan Debit Card pages (dibpak.com).

Latest DIB Card Discounts

Discounts differ by card tier, and DIB's own terms state that offers and their conditions can change — treat the figures below as what's currently advertised, not a fixed lifetime benefit, and verify on DIB's app or official discounts page before relying on a specific deal.

Source: DIBPL's official Aayan Debit Card page ("Up to 30% Discounts on favorite eateries & outlets") and Signature Debit Card page (dibpak.com), current as of last verification.

Discounts by Card Type

Aayan's discount program is described simply as a percentage off at eateries and outlets. Signature's benefits run deeper — DIB positions Signature cardholders inside Visa's broader global benefits network rather than a locally-curated merchant list alone, which is why Signature's advertised range (retail, dining, entertainment, travel) is wider than Aayan's.

Dining, Shopping, Travel & Entertainment

For Signature cardholders, DIB's published benefits split roughly into: entertainment, dining, and retail discounts (up to 50%, via Visa's partner network); and travel-related discounts on hotels and car rentals (up to 35%, bookable through Visa's own booking portals rather than at the point of sale). Aayan's discount is narrower and applies specifically to eateries and outlets rather than the fuller travel/entertainment set.

Eligibility & Terms

Signature discounts are tied to holding a VISA Signature Debit Card, which in turn requires meeting Wajaha Priority Banking's threshold (see our Priority Banking page for the exact deposit and financing thresholds). Aayan discounts require an Aayan Visa Debit Card, tied to Aayan Exclusive Banking. Both discount programs are subject to change at DIB's discretion, and travel-related Signature benefits typically require booking through Visa's own partner portals rather than being applied automatically at checkout.

GoLootlo — DIB's Discount Platform

DIB Pakistan runs its discount program through a partnership with GoLootlo, a deals platform, alongside card-specific perks. This is separate from the Aayan and Signature discount tiers above — DIB's own official Discounts page on dibpak.com is titled around GoLootlo and debit card offers together, and the PayPak Debit Card's discount benefit is also delivered through this same GoLootlo partnership rather than a standalone DIB program.

Confirmed from DIBPL's official Discounts page and PayPak Debit Card page (dibpak.com).

How to Verify an Offer

Before relying on any specific discount, check DIB's official Aayan or Signature Debit Card pages on dibpak.com, or the offers section inside the DIB App, since merchant partnerships and percentages can change without a site-wide announcement. If a discount doesn't apply at checkout, DIB's Phone Banking line — see our Helpline page — is the right channel to query it, not a merchant staff member.

Getting a Debit Card

First-time debit card issuance happens at your relationship branch when you open an account. For replacement or conversion to a different card tier, DIB's 24/7 Call Center at 111-786-DIB (342) handles the request, and activation can be completed through WhatsApp Banking by messaging the bank's official WhatsApp number and following the Card Services menu.

Debit Card Issuance & Replacement Charges

Card fees vary by tier — the VISA Signature tier that carries the merchant discounts is free for Wajaha Priority Banking customers, while standard-tier cards carry the charges below.

Signature Debit Cardholders under Wajaha Priority Banking get the card free, plus 8 free airport lounge visits/year. Asaan Account debit cards (PayPak EMV) are priced separately: Rs 750 + FED issuance, Rs 700 + FED replacement. Source: DIB Schedule of Charges, July–December 2026.

Card Discounts FAQs

Official Sources & Last Verified

Discount figures on this page were checked directly against DIB Pakistan's official Aayan Debit Card, Signature Debit Card, PayPak Debit Card, and Discounts pages on dibpak.com. Last verified: September 12, 2026. Since DIB's own terms state discounts and merchant lists can change without notice, treat dibpak.com and the DIB App as the source of truth for any specific offer before you rely on it.

Good For

• Understanding which DIB debit card tier unlocks merchant discounts
• Knowing where to check currently active offers
• Getting a first-time or replacement debit card
• Choosing between VISA, UnionPay, and PayPak cards

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For independent verification, see State Bank of Pakistan, SECP.